The vehicle model requiring coverage is one of the primary factors when comparison shopping for cheap car insurance for first-time drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below features car insurance rates for a handful of the most economical automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,604 |
| Honda CR-V LX 2WD | $4,610 |
| Ford Escape Limited 2WD | $4,649 |
| Hyundai Elantra SE Touring Station Wagon | $4,941 |
| Toyota Prius | $4,984 |
| Dodge Grand Caravan CV | $5,169 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $5,177 |
| Ford Explorer XLT AWD | $5,169 |
| Volkswagen Jetta SE 2.5 Station Wagon | $5,275 |
| Chevrolet Impala LS | $5,415 |
| Ford Focus S 4-Dr Sedan | $5,425 |
| Chevrolet Malibu Hybrid | $5,460 |
| Toyota RAV4 4WD | $5,470 |
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in Sacramento, CA location which can lower or raise coverage rates considerably.
By looking at the data, cars like the Honda Accord, Honda CR-V, Ford Escape, and Hyundai Elantra are going to be the cheapest vehicles to insure for new drivers. The cost of auto insurance will tend to be more expensive anyway because there is more liability risk for first-time drivers, but generally speaking those makes and models will have the best insurance prices compared to all other vehicles.
For new drivers, one of the big factors that aid in calculating the annual cost of car insurance is where you call home in Sacramento. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The next table shows the highest-priced places in California for first-time drivers in which to buy car insurance. Sacramento ranks #5 with the yearly price of $1,669 on average, which is about $139 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Modesto | $1,547 |
| 11 | Fontana | $1,535 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Fresno | $1,517 |
| 15 | Moreno Valley | $1,506 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
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Rate information is estimated as the vehicle garaging location can change insurance rates noticeably.
Ending up with the right insurance company can be a challenge considering how many companies sell coverage in Sacramento. The company rank data displayed below could help you select which car insurance providers to look at comparing price quotes from. These ratings are only comprised of major nationwide insurance companies, so companies without a large exposure are not factored into these rankings.
Top 10 Major Auto Insurance Providers Overall in Sacramento
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Discounts on Sacramento auto insurance rates
Insurance providers that offer coverage for first-time drivers could also offer special discounts that can lower rates by 30% or more if you qualify. A list of insurance companies and their possible discounts are:
- State Farm may have discounts that include good driver, multiple autos, anti-theft, safe vehicle, and Steer Clear safe driver discount.
- Nationwide discounts include easy pay, Farm Bureau membership, defensive driving, business or organization, family plan, and accident-free.
- GEICO may include discounts for multi-vehicle, membership and employees, driver training, anti-lock brakes, and anti-theft.
- AAA offers discounts including pay-in-full, multi-car, multi-policy, good driver, and education and occupation.
- 21st Century may offer discounts for air bags, defensive driver, anti-lock brakes, automatic seat belts, 55 and older, and student driver.
- The Hartford has discounts for anti-theft, bundle, air bag, vehicle fuel type, and defensive driver.
The information below visualizes the comparison of auto insurance rates with and without discounts. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paid-in-full, passive restraint, continuous coverage, anti-theft, vehicle safety, and good student discounts applied. When taking advantage of discounts, the average savings per year on insurance for first-time drivers is 28% or $893.
If you aren’t clear which coverage you need and would like to have professional advice when shopping for cheaper insurance for first-time drivers, the agents below can help you decide which car insurance company is the best fit. To find an agent nearest to you, click the button at the bottom of the list or click here to compare prices now.
Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985
Bertolino Insurance Agency
9719 Lincoln Village Dr #409 – Sacramento, CA 95827 – (916) 384-9621
Yeh Ferguson – State Farm Insurance Agent
7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000
More insurance agents in Sacramento, CA
How to find budget-friendly car insurance for first-time drivers
The list below summarizes some thrifty ideas that can help California drivers buy cheap coverage.
- Vehicles with good safety ratings have lower liability rates
- Avoid accidents
- Multi-policy discounts save money
- Do not get tickets or violations
- Remove physical damage coverage on older vehicles
- Avoid filing excessive claims
- Compare quotes from other companies often
That final tip is incredibly valuable, as was noted in the article above. Prices charged by companies fluctuate constantly, so drivers shouldn’t be resistant to buy a policy from a new company if you find a cheaper price. Having a favorite company is great, but it’s not a great idea if that dedication is costing several hundred dollars every year. Take a few minutes and compare prices to find cheaper insurance for first-time drivers in Sacramento.